How to Budget Now for Next Christmas

I know I know Christmas has just past and you are just getting ready for the new year, but now is the perfect time to start budgeting for next Christmas.

It's never too early to start budgeting for Christmas. I know when I start early in the year I can really have a nice amount to spend towards Christmas without any debt lingering into the New Year.

If you put some of your Christmas shopping on a credit card and now have a few months to pay those things off, I want you to be prepared for next year. When January comes around next year you won’t have lingering debt from Christmas following you into the new year.

There are a few ways you can easily budget for next Christmas now. First, you can set up a dedicated savings account just for Christmas. Then deposit your budgeted amount each and every payday.

If you’re not good about setting the money aside on your own find someone who can help you be accountable to.

Let them email you once a month to ask did you fund your Christmas fund yet? It’s a great way to get a reminder and if you are anything like me you would hate to have to answer no to someone you know is looking out for you.

If you don’t have anyone right now to be your Christmas fund accountability partner, then do a direct deposit right into your Christmas account each month. Right after payday have your account set up to do an automatic deposit into your Christmas fund. You won’t even have to think about it, it will just be done for you.

Saving a little each month is one way to save for Christmas for next year but there are a few other ways to help provide for your Christmas fund for next year too.

Just so you know, the links below are my referral links when you use them I might make a little money at no extra cost to you. Thanks for your support. You can read my disclosure policy for more information.

Earning Gift Cards to Fund Christmas

It's never too early to start budgeting for Christmas. I know when I start early in the year I can really have a nice amount to spend towards Christmas without any debt lingering into the New Year.


Have you heard about Swagbucks? Swagbucks is a site you sign up for and then do tasks to earn points called SB. Those points, in turn, can be traded for gift cards for Amazon or Starbucks. Amazon gift cards are my favorite because I shop there often for gifts.

A few ways I earn SB is by watching videos. I can watch a few videos while I working on something else like folding laundry and earn points.

There is a daily poll you can answer and earn a SB each day. They even have coupons you can print and when you redeem them you can earn 10 SB. You can use the Swagbucks search to earn points too.

Just by spending a few minutes each day you can earn points and turn those in for gift cards to help fund your Christmas gifts.

If you haven’t signed up for Swagbucks yet, click here and sign up and start earning.

Take Surveys with Toluna

With Toluna you can take surveys and get rewarded. You can sign up with Toluna and take surveys and polls to earn points. I haven’t used Toluna before but I’ve used other survey companies. You won’t get rich doing surveys but you can do them while watching tv or in your downtime.

If you would like to sign up for Toluna, click here and sign up.

Inbox Dollars

One other way you can earn a little to put away for Christmas is using Inbox Dollars, I haven’t used them myself for a while but I used to earn by reading emails and taking surveys. You might want to give them a try too.

You can use this link to sign up and give Inbox Dollars a try.

Those are three ways you can earn a little towards your Christmas funds. I spend a little time each week to earn a few points to convert into gift cards for my Christmas fund.

If you start now and work a little each day and put a little away each month you can have a nice little Christmas fund to be able to spend without the bills to follow you into the new year.

How and when do you start saving for Christmas? Do you start early in the year like me?

Other Articles You’ll Enjoy

How to Build a Budget Series
Ways to Save Money Series

5 thoughts on “How to Budget Now for Next Christmas”

  1. These are some great ideas to put money away for Christmas spending! I know that a few Christmases ago, I paid for about 80% of our family’s Christmas gifts with the gift cards I earned by using Swagbucks…it was so nice!

  2. Great list, Shelly! I do most of these things as well, and am renewing my efforts on Swagbucks this year, to set aside for Christmas. It’s funny, because I actually wrote a very similar post for my blog (coming Friday) about how to plan ahead for a cash Christmas. Great frugal minds must think alike!

  3. Good ideas!! We save up all year for Christmas but not in a separate account but they are all paid for because we don’t buy anything that we can’t pay for. Banking up gift cards is a great idea. Especially because you get them with time and no money. It is always great to pay for things without money out of pocket.

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